BJ · CIK 0001531152 · FY2025 live · 2026-01-31

BJ's Wholesale Club Holdings, Inc.

DistressSEC 10-KZ″Consumer49th percentile in Consumer · 430 names

View as

Model

Z″

FY2025

1.09

Zone

Distress

Prior

—

Market DD

—

1y PD

—

1.09

Classic Z 3.58

−21.12.68+

Z″ 1.09 · distress below 1.10, grey to 2.60, safe above.

Z″ factor contributions

X1 Working capital / assets
Short-term liquidity. Carries more weight in Z″ than in classic Z.
−0.09
6.56 × = −0.59
X2 Retained earnings / assets
Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.
0.16
3.26 × = 0.52
X3 EBIT / assets
Operating return on assets. Highest weight in Z″.
0.11
6.72 × = 0.73
X4 Book equity / liabilities
Book equity versus the liability stack. Sales / assets is omitted so asset-light names keep turnover from dragging the score.
0.41
1.05 × = 0.43

Five-year path

Need two annual 10-Ks to draw a path. The desk will pull this issuer’s filings.

Meridian Rank

49.82

0–100 · Z″ family

Book standing
49
Year change
—
Market PD
—
O-score
52

Events on this name

Same published rows as Today.

No published events on this print.

Overview

rule-v1

BJ's Wholesale Club Holdings, Inc. is on Z″ at 1.09 (distress) for FY2025, from an SEC 10-K. EBIT / assets is the line that sets the print; working capital / assets is the runner-up. This is the first live year on the desk. No market tape loaded. Z″ omits sales/assets so asset-light names keep turnover from dragging the score. X4 is book equity on every name.

Book screen Distress; market PD —. Market PD has not been priced on this name.

Market DD · naive Merton

No market tape yet.

Pull a year of closes (Yahoo, Nasdaq if Yahoo is limited) and size equity from Nasdaq cap or EDGAR shares. Distance-to-default and 1-year PD stay blank until then.

Sector peers

Closest Z″ scores · 49th percentile in Consumer.

Filing line items

Current assets

$2.0B

Total assets

$7.5B

Current liabilities

$2.7B

Total liabilities

$5.3B

Working capital

−$680M

Retained earnings

$1.2B

EBIT

$817M

Total sales

$21.5B

Book equity

$2.2B

Accession 0001531152-26-000007. Live rank is the latest 10-K on EDGAR (FY2025, period 2026-01-31). Z″ is the live score. View as is a display overlay. X4 is book equity. Pulled 14 Sept 2026.